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Healthcare Cost Hardship Plan (HCHP)

To provide financial assistance to Dartmouth College employees enrolled in the Cigna Open Access Plan 1 (OAP1) or Cigna Open Access Plan 2 (OAP2) whose out of pocket expenses (not including premium contributions) exceed 7% of their household income. Out of pocket expenses are defined as: Copayments, Deductibles, Coinsurance.

By design, this program will most benefit employees whose household is experiencing an unusual medical claim year and whose household income is in the lower ranges.

Your elected contribution and the College contribution of $250* toward the FSA must be exhausted.

*Non-exempt staff and those employees earning $60,000 or less are automatically given $250 in a Health Care Flexible Spending account. If you are part-time or your hire date is after January 1st, the amount will be prorated.

In the case where spouses are both employees at Dartmouth College and each receives the College contribution to the FSA, the total amount of both these FSAs must be exhausted before requesting reimbursement

Employees who meet all other eligibility requirements and who also receive their medical benefits through COBRA are eligible.

APPROVAL AND PAYMENT

Reimbursement will be processed through a third party administrator, Crosby Benefits, only at designated times: June, September, December and March.

Deadlines to submit applications and documentation in order to receive reimbursement will be one month prior to the designated times above (ex. deadline to submit is May 1st for June 1st reimbursement).

A completed application form, with supporting documentation, must be submitted to Crosby Benefits.

Failure to provide all necessary information on or attached to the application form, or to respond to requests for additional information, will result in a denial of the request.

Crosby Benefits will send notification of approval/denial and request/return documentation as needed.

If an employee is approved for reimbursement and incurs expenses after approval, and within the same tax year, the employee can submit subsequent documentation to Crosby Benefits with a new application cover sheet.